Ruining your credit feels horrible. If you’ve made financial mistakes that have damaged your credit — maybe by missing a payment or over-leveraging a credit card — you might feel overwhelmed with how to fix the situation.
Here's the good news: bouncing back after ruining your credit can be easier than it sounds. There are lots of tools that can help you get back on track quickly, like seeing if you can boost your credit score in real-time, or saving a bucketload on car insurance.
Taking control of your finances today can make it easier to bounce back. Just imagine how you’ll feel once your finances are in order and your credit mistakes are a thing of the past!
See if you can raise your credit scores in real time
Your credit scores affect whether you can get approved for a loan, a credit card, or even a new job. Usually it can take weeks or months to improve your credit scores, but there's an innovative new feature that could help you raise your FICO® Scores1 <p>Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. <a href="https://www.experian.com/help/information.html?conf=ecs_ficoScoreDisclosure" target="_blank">Learn more</a>.<br></p> instantly.
Experian Boost® can help you get credit for making on-time payments for your phone and utility bills. The process takes just minutes and if qualifying payments are identified, you can include this positive information in your Experian credit file. (Don't worry: If you have any negative marks, those won't count against you.)
Since launching, Experian Boost has collectively increased FICO® Scores across America by over 10 million points. It's 100% free and new potential credit scores take effect immediately.
Sign up for Experian Boost now
Trim up to $720 from your bills with the budgeting app that does it all
Ever look at your bank account and wonder where your paycheck went? Poof, it's gone and you're not exactly sure where you spent it. A budgeting app like Rocket Money can help you take control of your money — spend intentionally on the things you value and stop throwing money away on unimportant things.
Once you have a complete picture of your finances, it's easy to see ways to save. And Rocket Money can help make those potential savings a reality. Their expert negotiators can call the cable company and phone company to help lower your bills. They'll also help you cancel unwanted subscriptions and put that money back in your bank account where it belongs.
Rocket Money has already helped save its members over $50,000,000 on their bills without much time and effort.